The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Cash Value. Several options are available for cashing out a life insurance policy. If you withdraw the cash savings you've paid in premiums you will not have to pay taxes, but if you withdraw an additional amount -- cash gains -- you will have to pay taxes based on the rate you pay on your income taxes.